Home › Forums › Financial Markets/Economics › Help… Should we sell, or stay???
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Blissful Ignoramus.
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December 30, 2008 at 11:39 PM #322222December 30, 2008 at 11:45 PM #321725
Homeschool2Boys
ParticipantThanks, temeculaguy, for your comments. I think you were typing as I was working on my prior post. Definite food for thought… What is HLS?
December 30, 2008 at 11:45 PM #322070Homeschool2Boys
ParticipantThanks, temeculaguy, for your comments. I think you were typing as I was working on my prior post. Definite food for thought… What is HLS?
December 30, 2008 at 11:45 PM #322129Homeschool2Boys
ParticipantThanks, temeculaguy, for your comments. I think you were typing as I was working on my prior post. Definite food for thought… What is HLS?
December 30, 2008 at 11:45 PM #322146Homeschool2Boys
ParticipantThanks, temeculaguy, for your comments. I think you were typing as I was working on my prior post. Definite food for thought… What is HLS?
December 30, 2008 at 11:45 PM #322227Homeschool2Boys
ParticipantThanks, temeculaguy, for your comments. I think you were typing as I was working on my prior post. Definite food for thought… What is HLS?
December 31, 2008 at 7:15 AM #321775Navydoc
ParticipantHLS is a regular poster here. I think it stands for Home Loan Sheldon, and he is in the finance industry. He should be able to hook you up nicely, and he has posted his email many times. I’m sure he’ll do it again when he reads this commnet.
Good god, why are you still working Resident’s hours? I’m a physician myself, an OB actually, and life got a whole lot better after residency ended in 2003. I disagree with other’s comments about your wife getting a job. Raising your children right is certainly a full-time job, and probably much more important than any additional income she could bring. I’m with TG (temeculaguy), try to lighten up. You make enough to live well, even in San Diego. I love the cigars, wine, and internet porn comments, but my wife would kill me if I was looking at internet porn, so I vent with videogames instead. I wish you luck with whatever you decide to do.
By the way, some folks may have noticed I havn’t been posting as often as I used to here. The reason is the San Diego real estate market is no longer relevant to me. Looks like I’m being sent to Bethesda MD in July. It’s not so bad though, $600k buys about 4000 sf on 2-3 acres. Have to buy a snow shovel again…..
December 31, 2008 at 7:15 AM #322120Navydoc
ParticipantHLS is a regular poster here. I think it stands for Home Loan Sheldon, and he is in the finance industry. He should be able to hook you up nicely, and he has posted his email many times. I’m sure he’ll do it again when he reads this commnet.
Good god, why are you still working Resident’s hours? I’m a physician myself, an OB actually, and life got a whole lot better after residency ended in 2003. I disagree with other’s comments about your wife getting a job. Raising your children right is certainly a full-time job, and probably much more important than any additional income she could bring. I’m with TG (temeculaguy), try to lighten up. You make enough to live well, even in San Diego. I love the cigars, wine, and internet porn comments, but my wife would kill me if I was looking at internet porn, so I vent with videogames instead. I wish you luck with whatever you decide to do.
By the way, some folks may have noticed I havn’t been posting as often as I used to here. The reason is the San Diego real estate market is no longer relevant to me. Looks like I’m being sent to Bethesda MD in July. It’s not so bad though, $600k buys about 4000 sf on 2-3 acres. Have to buy a snow shovel again…..
December 31, 2008 at 7:15 AM #322179Navydoc
ParticipantHLS is a regular poster here. I think it stands for Home Loan Sheldon, and he is in the finance industry. He should be able to hook you up nicely, and he has posted his email many times. I’m sure he’ll do it again when he reads this commnet.
Good god, why are you still working Resident’s hours? I’m a physician myself, an OB actually, and life got a whole lot better after residency ended in 2003. I disagree with other’s comments about your wife getting a job. Raising your children right is certainly a full-time job, and probably much more important than any additional income she could bring. I’m with TG (temeculaguy), try to lighten up. You make enough to live well, even in San Diego. I love the cigars, wine, and internet porn comments, but my wife would kill me if I was looking at internet porn, so I vent with videogames instead. I wish you luck with whatever you decide to do.
By the way, some folks may have noticed I havn’t been posting as often as I used to here. The reason is the San Diego real estate market is no longer relevant to me. Looks like I’m being sent to Bethesda MD in July. It’s not so bad though, $600k buys about 4000 sf on 2-3 acres. Have to buy a snow shovel again…..
December 31, 2008 at 7:15 AM #322196Navydoc
ParticipantHLS is a regular poster here. I think it stands for Home Loan Sheldon, and he is in the finance industry. He should be able to hook you up nicely, and he has posted his email many times. I’m sure he’ll do it again when he reads this commnet.
Good god, why are you still working Resident’s hours? I’m a physician myself, an OB actually, and life got a whole lot better after residency ended in 2003. I disagree with other’s comments about your wife getting a job. Raising your children right is certainly a full-time job, and probably much more important than any additional income she could bring. I’m with TG (temeculaguy), try to lighten up. You make enough to live well, even in San Diego. I love the cigars, wine, and internet porn comments, but my wife would kill me if I was looking at internet porn, so I vent with videogames instead. I wish you luck with whatever you decide to do.
By the way, some folks may have noticed I havn’t been posting as often as I used to here. The reason is the San Diego real estate market is no longer relevant to me. Looks like I’m being sent to Bethesda MD in July. It’s not so bad though, $600k buys about 4000 sf on 2-3 acres. Have to buy a snow shovel again…..
December 31, 2008 at 7:15 AM #322278Navydoc
ParticipantHLS is a regular poster here. I think it stands for Home Loan Sheldon, and he is in the finance industry. He should be able to hook you up nicely, and he has posted his email many times. I’m sure he’ll do it again when he reads this commnet.
Good god, why are you still working Resident’s hours? I’m a physician myself, an OB actually, and life got a whole lot better after residency ended in 2003. I disagree with other’s comments about your wife getting a job. Raising your children right is certainly a full-time job, and probably much more important than any additional income she could bring. I’m with TG (temeculaguy), try to lighten up. You make enough to live well, even in San Diego. I love the cigars, wine, and internet porn comments, but my wife would kill me if I was looking at internet porn, so I vent with videogames instead. I wish you luck with whatever you decide to do.
By the way, some folks may have noticed I havn’t been posting as often as I used to here. The reason is the San Diego real estate market is no longer relevant to me. Looks like I’m being sent to Bethesda MD in July. It’s not so bad though, $600k buys about 4000 sf on 2-3 acres. Have to buy a snow shovel again…..
December 31, 2008 at 8:24 AM #321800Raybyrnes
ParticipantColleges are going to look at both asset and savings. The nice thing about a home is that it is not factored into the equasion. Therefore if you are looking to get financial assistance it is good to be house rich and savings poor.
If I had children getting ready for college my strategy would be to pay down as much of my home as I could minimizing my savings that I am suppose to report and simultaneously opening up a line of credit on the home so I still have access to the money.
Additionally your kids regarless of income will qualify for federal stafford loans which helps them build credit, take ownership in their education, and you can always help them pay off as a reward for doing well in school.
You will also have a federal Parent Plus loans available once again regarqdless of how much you make. Not a good deal at the moment but I would suspect it will be changing to a more favorable program in the not to distant future.
Bottom line is that you have options.
December 31, 2008 at 8:24 AM #322145Raybyrnes
ParticipantColleges are going to look at both asset and savings. The nice thing about a home is that it is not factored into the equasion. Therefore if you are looking to get financial assistance it is good to be house rich and savings poor.
If I had children getting ready for college my strategy would be to pay down as much of my home as I could minimizing my savings that I am suppose to report and simultaneously opening up a line of credit on the home so I still have access to the money.
Additionally your kids regarless of income will qualify for federal stafford loans which helps them build credit, take ownership in their education, and you can always help them pay off as a reward for doing well in school.
You will also have a federal Parent Plus loans available once again regarqdless of how much you make. Not a good deal at the moment but I would suspect it will be changing to a more favorable program in the not to distant future.
Bottom line is that you have options.
December 31, 2008 at 8:24 AM #322204Raybyrnes
ParticipantColleges are going to look at both asset and savings. The nice thing about a home is that it is not factored into the equasion. Therefore if you are looking to get financial assistance it is good to be house rich and savings poor.
If I had children getting ready for college my strategy would be to pay down as much of my home as I could minimizing my savings that I am suppose to report and simultaneously opening up a line of credit on the home so I still have access to the money.
Additionally your kids regarless of income will qualify for federal stafford loans which helps them build credit, take ownership in their education, and you can always help them pay off as a reward for doing well in school.
You will also have a federal Parent Plus loans available once again regarqdless of how much you make. Not a good deal at the moment but I would suspect it will be changing to a more favorable program in the not to distant future.
Bottom line is that you have options.
December 31, 2008 at 8:24 AM #322221Raybyrnes
ParticipantColleges are going to look at both asset and savings. The nice thing about a home is that it is not factored into the equasion. Therefore if you are looking to get financial assistance it is good to be house rich and savings poor.
If I had children getting ready for college my strategy would be to pay down as much of my home as I could minimizing my savings that I am suppose to report and simultaneously opening up a line of credit on the home so I still have access to the money.
Additionally your kids regarless of income will qualify for federal stafford loans which helps them build credit, take ownership in their education, and you can always help them pay off as a reward for doing well in school.
You will also have a federal Parent Plus loans available once again regarqdless of how much you make. Not a good deal at the moment but I would suspect it will be changing to a more favorable program in the not to distant future.
Bottom line is that you have options.
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